Best SBA 7(a) lenders for offices of mental health practitioners (except physicians)
NAICS 621330 — Offices of Mental Health Practitioners (except Physicians).
2,130 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $531.1M.
Loans
2,130
Total $
$531.1M
Avg loan
$249K
Avg rate
9.59%
Avg term
147 mo
Industry chg-off rate
1.06%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 228 | $34.5M | $151K | 8.99% | 0.74% |
| 2 | TD Bank, National Association | 161 | $14.7M | $91K | 10.79% | 2.86% |
| 3 | Northeast Bank | 127 | $12.8M | $101K | 10.93% | 11.11% |
| 4 | Readycap Lending, LLC | 112 | $17.1M | $152K | 12.68% | 0.00% |
| 5 | BayFirst National Bank | 94 | $12.0M | $128K | 11.76% | 3.33% |
| 6 | Wells Fargo Bank National Association | 75 | $9.7M | $129K | 10.34% | 0.00% |
| 7 | U.S. Bank, National Association | 68 | $11.2M | $165K | 8.72% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 66 | $17.7M | $268K | 10.29% | 0.00% |
| 9 | Newtek Bank, National Association | 62 | $23.6M | $380K | 11.83% | 0.00% |
| 10 | Bank of America, National Association | 62 | $23.7M | $383K | 6.49% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 57 | $4.1M | $73K | 11.05% | 3.70% |
| 12 | Celtic Bank Corporation | 48 | $8.0M | $167K | 10.08% | 0.00% |
| 13 | Cadence Bank | 35 | $10.0M | $286K | 9.27% | 6.25% |
| 14 | PNC Bank, National Association | 30 | $6.9M | $230K | 8.27% | 0.00% |
| 15 | Harvest Small Business Finance, LLC | 28 | $20.8M | $742K | 9.29% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621330. Charge-off rates are calculated on the FY2020–FY2023 cohort only.